Mr. Jim O'Keeffe:

Again, if there are specific cases, we are very open to dealing with them if the Deputy wishes. However, for the sake of consistency, what we look at is affordability for the customer when he or she comes forward and we see the elements of the debt that can be addressed by him or her. We then make decisions on what it is possible to write off and, as we discussed, the elements of non-core assets that could be sold in that regard. I am very confident about the approach we have taken. We have had several reviews of our consistency. We work a very consistent policy and protocol to make sure there is consistency for borrowers.